Various Payment Gateway Present In India


Payment gateway is soul of an ecommerce. Payment gateway is interface between customers and ecommerce. Payment gateway is required to collect the funds from the customers behalf of ecommerce to give their services and their products. There are various payment gateways serving in India. Such payment gateways are beneficial for paying money easily without inessential troubles.

1. E-Billing Solutions (EBS)
EBS provides a consultative approach to Indian Merchants for facilitating suitable online payment solutions and benefit from the exponential growth witnessed in E-commerce.
1. EBS uses seven server architecture model which helps in better encryption of data which protects the clients information. All the customer’s credit card authorization is done using the high-tech Axis, HDFC and Citibank’s secure servers and the same is encrypted before it is transmitted over the Internet to the Acquiring Banks. Additionally EBS servers are behind security firewalls to ensure maximum protection of your customer’s information. This guarantees that your information is inaccessible to any third party. EBS uses the best industry-standard 128 bit SSL (Standard Sockets Layer) Verisign Technology, which ensures the security of the data
2. Internationally Certified Security Standards.
3. To ensure that our merchants and their clients enjoy a secured ecommerce experience we are equipped with an array of international standards to curtail fraud and chargeback. These are internationally certified security standards, which ensure the security of transactions through our website
4. EBS has achieved the new PCI DSS 1.1 Standards of Compliance, which makes it one of the most secure payment gateways in the world.
5. EBS uses Verisign, the world’s best and most trust worthy Net Authentication Agency
6. Hacker Safe Secure Certificate ensure daily testing for online security.
7. EBS implements the new Verified By Visa and the MasterCard Secure Code protocols which are expected to reduce charge back-level by as much as 90%.
Apart from the above, EBS has the state of the art Risk Management System that automatically categorizes transactions based on risk. The RMS software employs a number of parameters to evaluate risk of transaction on real time.

2. CCAvenue:-
1. Customers can pay using 5 credit cards, 50 Debit Cards,44+Indian Net Banks, 4 Cash Cards and 2 Mobile payments.
2. Using a combination of best practices, leading technology and human intelligence, CCAvenue has developed a ‘Fraud & Risk Identification System & Knowledge Base’ (F.R.I.S.K.) that makes transacting online safer and reduces both our expenses and potential chargeback losses
3. CCAvenue PhonePay adds new opportunities and markets to our business. Our telesales executive can close a sale over the phone and securely collect payment through an automated voice prompt driven IVRS (Interactive Voice Response System).
4. CCAvenue Smart Analytics brings to a bundle of statistical reports and dashboards which makes it easy to track the status of our business and take timely corrective actions which could be the critical difference between success and failure.
5. CCAvenue User Management helps manage our crucial customer and transaction data and protects our confidential information from being compromised.
6. CCAvenue offers shopping cart with its payment gateway at no extra cost. The shopping cart can be customized to the look and feel of our website and makes the user experience seamless.
7. CCAvenue provides a detailed integration kit with step by step integration procedure. The Integration kit provides our codes in: ASP, JSP, PHP & ASP.Net.
8. Stringent security measures ensures the security of critical and sensitive information – state-of-the-art security firewalls, PCI DSS 2.0 Compliance, VeriSign 128 bit SSL Technology, IndusGuard.

3. Transecute

1. Fraud Detection and Risk Mitigation
Transecute has developed pioneering solutions in the area of Online Transaction Fraud Detection and Risk Mitigation. Transecute has accumulated several years of experience in studying types of Credit Card Fraud. They have developed a unique Heuristic Fraud Detection and Prevention technique. Additionally, efforts are on towards other industry standards such as AVS, and 3DS to further minimize credit card fraud.
2. Branding and Customisation
Unlike other Payment Gateways, with Transecute we as a Merchant are in control of what our Customer sees at all the stages of a transaction. Transecute provides an easy to use Web based interface, from where we can customise all the payment pages to look exactly like your own website, so that your Customer enjoys a transparent shopping experience.

3. Transaction Support
Transecute supports all VISA/Mastercard Card transactions. Cards issued Worldwide can be used on our Gateway.

4. Integration
Next to Fraud Detection if there is anything else that we excel at, it is, in our integration process. Maintaining a perfect balance between security, and ease-of-implementation, we have readymade integration kits in ASP, PHP, JSP and a process that takes less than an hour to get online and live.
5. Security
Transecute manages the security of the transaction for our Customers transparently. We do not require to invest in an expensive Digital Certificate. Additionally, Transecute is the ONLY Payment Gateway to use a symmetric key based checksum algorithm to exchange data between our website and ours. This ensures complete security of transaction while at the same time provides an easy-integration mechanism as opposed to Socket based APIs.

Merchant MIS Interface
They have a comprehensive online easy-to-use Merchant Backoffice interface. Their interface allows us as a Merchant to change our settings, view our transactions, configure our preferences and a lot more.

4. PayPal

1. Credit card security: By paying with PayPal, one keep their credit card information private.
2. Flexibility: One can set up multiple bank accounts, debit cards, and credit cards to fund their PayPal account. PayPal will then look for funds from their sources based on the order define.
3. Cost: One of the best reasons for using PayPal is its cost: free. That’s right. No annual membership fees, no processing fees, no service charges. Shoppers using PayPal get all the powerful advantages associated with the service and do not have to pay one dime.
4. Discounts: PayPal sponsors special discounts for customers that shop with PayPal at selected retailers.


1. Comprehensive Credit/Debit/Cash Card Processing
IndiaPay Platform provides all the service and functionality a business needs to start accepting credit/debit and prepaid cards at the store through POS (Point of Sale Terminal) , online, through mobile and through IVR.
2. Rapid Payment Processing
3. Accept all major Credit/Debit/Cash cards.
Visa, MasterCard, American Express, Diners Club and JCB.
4. Online Merchant Center
IndiaPay Online Merchant Center provides enterprise back-office services featuring robust reporting and utility options. IndiaPay provides businesses the tool they need to effectively manage their online business.
5. Industrial-strength security screening
Ensures customers 100% online purchasing security over secure socket layer (SSL) or dedicated lease line.
6. Fraud & Risk Management
Customizable fraud and risk management system that allows businesses to employ an optimal level of protection for their business. The result is maximized sales and minimized risk.
7. Excellent World Class Support from Industry Leaders
IndiaPay provides advanced and reliable client support with signed SLAs. IndiaPay gives businesses the personal attention and responsiveness they need to succeed online.


  1. Tirna says:

    Gr8 job….1

  2. Devi prasad says:

    Good Article…keep it up

  3. Rashmi says:

    nice  yar its really helpful…..

  4. Sapna says:

    Good comparision among various payment gateways………111@@@@@@ 

  5. Arvind says:

    Useful Information for e-commerce website owner. ..!!!

  6. kirti says:

    Very useful content.Great job 🙂

  7. Ankush Mittal says:

    Nice yar tis really good

  8. vishnu prabu says:

    Nice Info 🙂

  9. Rajesh says:

    Well written article with great content

  10. Ambika says:

    Excellent!…keep it up..:-)

  11. Naveen says:

    nice work. well done.

  12. sachindra says:

    keep it up

  13. utkarsh says:

    Really Impressive ..:)

  14. Diksha Gupta says:

    Very informative! Good job done..waiting for more stuffs like this

  15. Vinoth says:

    Good article

  16. Ajay says:

    Well written article with great content…..

  17. sashwati says:

    such an informative article keep it up …

  18. ROHIT MARUTHI says:

    Excellent!! Very useful information in a crystal clear way…1

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